"I would recommend Troy to all of my friends and family. Troy made buying our home an easy process. Troy was always on top, if not ahead of …

Published By: Stacey S.

Troy Telthoester

Senior Loan Officer

NMLS ID# 842029

15322 Galaxie Avenue
Suite 203
Apple Valley, MN 55124

As a 16 year veteran of the mortgage industry and Minnesota native, I feel very proud to have spent my last four years with such an amazing company. Bay Equity supports mortgage professionals like myself in their mission to streamline the home loan process and make it simple and worry free, just as I would expect it to go for my family.

I understand that buying a home can seem like a daunting task, but I am also a firm believer that one of the biggest financial decisions in your life should be at least a little bit fun! With my diligence and dedication to giving my clients the best experience possible, matched with Bay Equity’s technology and wide array of loan products, I can honestly say that you will be in great hands when you decide to join the Bay Family.

From start to finish, my team of experts and I will be right by your side ensuring that we are making the smartest decision for your unique financial situation and that you feel confident in every detail of the loan transaction.

If you are in Minnesota, North Dakota, South Dakota, Nebraska, Florida, or Wisconsin and looking to purchase a new home, refinance, or if you are dreaming about building and starting from scratch, we’re here to get you home.

You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.